Call reports 2016
RIVERLAND BANK — 2016
What RIVERLAND BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 94,559,000 | 102,647,000 | 104,435,000 | 109,271,000 |
| Total loans | 77,527,000 | 83,814,000 | 83,417,000 | 93,875,000 |
| Allowance for loan losses | 897,000 | 1,018,000 | 1,078,000 | 1,100,000 |
| Securities available for sale | 3,151,000 | 3,088,000 | 2,991,000 | 2,898,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 75,806,000 | 83,767,000 | 85,311,000 | 87,653,000 |
| Interest-bearing deposits | 64,197,000 | 71,878,000 | 73,575,000 | 75,043,000 |
| Noninterest-bearing deposits | 11,609,000 | 11,889,000 | 11,736,000 | 12,610,000 |
| Equity capital | 14,236,000 | 14,431,000 | 14,585,000 | 14,572,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 982,000 | 2,093,000 | 3,283,000 | 4,471,000 |
| Interest expense | 160,000 | 345,000 | 550,000 | 756,000 |
| Net interest income | 822,000 | 1,748,000 | 2,733,000 | 3,715,000 |
| Noninterest income | 15,000 | 35,000 | 56,000 | 76,000 |
| Noninterest expense | 673,000 | 1,309,000 | 2,096,000 | 3,032,000 |
| Provision for loan losses | 100,000 | 220,000 | 280,000 | 350,000 |
| Pretax income | 64,000 | 254,000 | 413,000 | 409,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 64,000 | 254,000 | 413,000 | 409,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,221,000 | 14,412,000 | 14,570,000 | 14,568,000 |
| Total capital | 15,118,000 | 15,430,000 | 15,648,000 | 15,668,000 |
| Risk-weighted assets | 82,533,000 | 90,236,000 | 88,732,000 | 96,449,000 |